There are always little threads of our own create to be found behind the scenes when we are up to our ears in "undesireable" situations. Sometimes it is a decision just to not look at what is happening, leaving it up to entropy; sometimes it is ancient decisions to make amends or to attack certain kinds of people or some such. Typically,, these threads of self-decided decisions are often obscured in the noise of a confusion or upset and this makes them a bit difficult to revisit, so they carry forward uninspected.
From this perspective, all karma really is is the sum total of your own creations visiting you. The only time this gets really hard is when you misidentify your role in it and take on the position of the innocent chip on the river being swept along by events totally outside your control. That role, however tempting, is the path to misery.